Will you try to sell me something?
No. I do not sell financial products and I take no commissions from third parties. I earn only from consulting time, which puts me on the same side as you.
If you have been to an adviser whose meeting turned into a product presentation, that will not happen here. If I see that you do not need a paid session, I will say so.
Will you manage my money?
No. I help you understand how a portfolio works and what returns and risks to expect from it. I do not manage the portfolio directly and I do not place trades for you.
You make the decisions, only now knowing what you are doing and why.
Can you tell me whether a specific decision suits me?
Yes. If you have already picked something out, an investment property for example, I can work through the real return, the risks and how that decision fits your overall plan.
What I do not do is come to you with “buy this”. And if the question is “suggest what I should buy”, the answer will be a general direction based on your goals and plan, not a specific instrument.
Do I need savings before I come?
No. I work with people who have no savings yet. Often the first job is not investing but a budget: seeing by category where the money actually goes. Without that, no investment strategy has a foundation.
How are you different from a bank or insurance adviser?
An adviser at a bank or an insurance company represents their employer and its range of products. I represent no one, and I am paid nothing for recommending anything.
What do I get after the free call?
Within 1–2 working days I will send a short summary: what I heard, where I suggest starting and what it would cost. No commitment.
What do people usually come with?
Usually three questions: when can I start investing, how much will I need in retirement, and when could I reach financial independence. All three have concrete answers once you can see your own numbers.
What exactly do I get with the annual plan?
A document of 5 to 20 pages: assets, debts, cash flow, existing investments and goals in one place. I prepare it within five working days.
After that we work together for a year: four meetings and the option to write any time in between.
What documents will you ask for?
Only the ones your question needs. If we are building a budget, I ask for spending by category. If we are checking whether your existing assets work hard enough, I ask for asset and debt values. If we are modelling investments, I ask for your current portfolio structure.
I ask for these before a paid session, not before the intro call.
Do you work remotely and in English?
Yes. I consult remotely, so location is not an issue. I work in Lithuanian and English.